Credit Union Leasing of America (CULA), a national provider of indirect vehicle leasing solutions, announced record performance in 2025 as CULA lease volume rose 43% year over year and member savings reached an estimated $94.6 million annually.
CULA expanded its dealer network to its highest level to date and now supports vehicle leasing in 34 states nationwide through more than 40 credit unions.
“With vehicle affordability pressures continuing to shape consumer behavior, credit unions are increasingly turning to leasing as a way to deliver meaningful savings at the point of transaction,” said Ken Sopp, President of CULA. “In 2025 the nearly $100 million our partners generated in member savings reflected both strong demand for lower monthly payments, and the scale, analytics and dealer reach that differentiate CULA’s leasing program.”
CULA expanded its national leasing platform in 2025, scaling both its dealer and credit union networks to new highs. The broader dealer footprint strengthens credit unions’ competitiveness in the indirect channel, driving higher lease penetration and sustained growth.
The company’s dealer footprint grew 38% year over year, while existing dealer partners increased average lease volume by 14%, reflecting sustained program adoption and execution at the dealer level.
At the same time, CULA broadened its credit union reach in 2025 by adding five new partners and extending leasing access into Idaho, Minnesota and Vermont through both new and existing institutions. CULA now works with more than 40 credit unions, including nine of the top 10 credit unions offering leasing in the US.
“CULA’s leasing program allows us to offer more affordable monthly payments while preserving the long-term strength of our auto portfolio,” said Brett Molloy, Vice President of Consumer Lending at Affinity Federal Credit Union. “It has become an important part of how we serve members responsibly in today’s higher-cost vehicle environment.”
“With 72-month loans now commonplace and terms reaching 84 months and beyond, leasing offers credit unions a structured way to deliver lower payments without extending risk exposure,” Sopp added. “It strengthens member value while preserving long-term portfolio health – and we continue to see strong momentum as more institutions integrate leasing into their core growth strategies.”
